Customer Profitability Reports

Report List

Possible available reports can include:

• Account Profitability Export
• CDs Maturing Less Than 91 Days
• Core Ranking
• Cross Sell
• Customer Product Mix
• Customer Profit Segmentation
• Customer Profit Trend
• Customer Ranking
• Customer Report Including Address
• Decile Detail
• Decile Summary
• Expected Loss by Product
• FTP Rate - Detail
• Instrument Detail Integration
• Instrument Totals
• Largest Relationship Change
• Loan Trends
• Loans by Risk Rating
• Loans Maturing less Than 91 Days
• Negative Spreads
• New Account Details
• New Account Summary
• New or Renewed Loans - ROE by Officer
• Officer Change
• Officer Portfolio Trend
• Performance vs Objective
• Profitable Relationships
• Sub Instruments Total
• Total Income Statement
• Value of Officer Portfolio

Report Parameters

As you work through the parameters, earlier selections sometimes determine which parameters are available later.

The parameters that appear with a customer profitability report can include the following:

Change Value

Select whether you want the report to show positive or negative percentage change or dollar change values in the Largest Relationship Change report.

Data Qualifier

Select either Top or Bottom in the first field, and then specify whether you want the report to return results based on a percentage or a number. For example, selecting the ROE profit measure and then Top and 10.000 percent means that the requested report shows you the top 10 percent of what the report is measuring based on ROE.

Note: A few reports, like Profitable Relationships, use the Data Qualifier but do not require a separate Profit Measure setting since the profit measurement is predetermined for the report.

Decile

Select one or more percentile tiers that you want to include in the report.

Discounted

Select this option if you want discounts to appear in the report results.

Economic Scenario

Select the economic scenario for the report results:

• Fed Base - Represents the Federal Reserve's base economic forecast.
• Fed Severe - Represents the Federal Reserve's forecast if current economic conditions deteriorate.
• Base
• Adverse
• Expansion
• Custom - Users with the CECL A&R-Enhanced license can receive and review custom economic scenarios from Deep Future Analytics (DFA).

Header/Footer

Select the header and footer information that appears on your reports when Excel is the selected Report File Type.

The application provides a default header for every report, but, when you select Setup, you can create, save, and reuse your own user-defined headers and footers.

When you open an Excel®-based report in Excel®, the header does not show until you open the Excel®Header and Footer Tools. Use the Excel® search feature to locate this tab quickly. If you save the report in Excel®, then you do not have to perform this action the next time that you open the file.

Include Q Factors

Select if you want to include all, individual, or no Q Factors in the report.

Instrument Type

Select Loans or Time Deposits to include those types of instruments in the report.

Layout and Formatting

Select options in this section to customize the look and feel of your reports. Depending on the report, customizations can include:

• Amount Formatting
• Font Size
• Include Average Column
• Include Total Column
• Number Decimal Places
• Page/Row/Column
• Rate Decimal Places
• Show GL Numbers
• Suppress Zeroes

Loan Products

Select the loan products that you want to include in the report.

Loss Type

Select to include Gross or Net losses in the report results.

Model

Select a model for the report results.

Officer

Select the officers that you want to include in the report. Only those officers that you are permitted to access appear in the list.

Optional Columns

Select the optional columns that you want to include in the report.

Organization

Select the organizations that you want to include in the report. Only those organizations that you are permitted to access appear in the list.

Origination Date

Select the field to open a calendar to choose an origination date for the loans that you want to include in the report. You can only select one month at a time. Each month is assigned a color:

• - Historical Month
• - Current Month

Products

Select the products that you want to include in the report.

Products You Currently Have/Don't Currently Have

Select the products that you want the customers included in the report to have in the Products You Currently Have section. For loan and deposit products, you can specify minimum balances to filter the results further. In the Products You Don't Currently Have section, select one or more products that you specifically do not want the customers in the list to have. These products are cross-sell products. For the Cross Sell report, these options let you generate lists of customers that have certain product combinations.

Profit Measure

Select a profit measurement to use in the report. Most frequently, the choices are: Profit, Value Added, Contribution, ROE, and ROA. The profit measure and data qualifier parameters are often paired. A few reports, such as the Customer Ranking, Decile Detail, and Decile Summary reports, require a profit measure selection but do not require a data qualifier.

Recipients

Select the names of the users who can receive a copy of the report from the provided list. You can send the current report to other users of the application via email.

Note: You cannot clear the name of the active user.

Report Cosmetics

Select a template to define the cosmetics of the report such as the formatting, background and font colors, lines, blank rows, and page breaks.

The application provides a default template for every report, but, when you select Setup, you can create, save, and reuse your own user-defined report cosmetics.

Report File Type

Select the output format for the report. For most reports, the choices are Excel and PDF. Some reports also offer delimited options such as Comma Delimited, Semicolon Delimited, or Fixed Column Width.

Save As Favorite

Select this option and provide a name for the favorite if you want to generate the same report again without redefining the parameters.

Share With

Select each user that you want to share the report with, and indicate whether the users have Read Only or Editable access to the shared favorite report. This parameter appears when you select the Save As Favorite option.

Time Frame

Select this field to open a calendar showing the months that you can select for the current report. Each time frame is assigned a color:

• - Historical Month
• - Current Month

You can also specify whether the selected months are Floating or Fixed. By default, the current month appears as a Floating time frame.

Note: When you set the time frame to Floating, the selected months move relative to the current month, or the month of the most recent successful update.

After defining all the report parameters, you are ready to generate the report. You can generate the current standard report now, if needed. You can also save the selected parameters, and then generate the report as a favorite.